Can You Get a Mortgage on Land? — pricing factors (UK)

What lenders look at

These factors shape whether a can you get a mortgage on land? case is accepted and how it is priced. They are not a quote.

• Financial position and credit history
• Evidence of deposit (often 30-50% or more)
• Exit strategy and development or use plan
• Relevant experience (property, development, or farming)
• Planning status (detailed, outline, or vacant)
• Clear title and legal access

Use our mortgage calculators for scenario planning and compare brokers who specialise in can you get a mortgage on land?.

What moves your rate up or down

These are the strongest factors lenders weigh when setting pricing.

• Planning permission status is the strongest factor shaping lender appetite
• Deposits typically 30-50% or higher, depending on planning and land type
• Specialist lenders assess development path, exit strategy, and borrower experience
• Plots with planning permission easier to finance than vacant land
• Agricultural land assessed on farming income, not residential planning

Fee breakdown

Common charges to plan for alongside the headline rate.